Top 5 Best travel insurance Companies

Reliance Travel Insurance

Reliance travel insurance offers cashless hospitalization worldwide. The travel insurance is issued instantly with no medical checkup. However, Reliance does not cover claims arising out of non-disclosed and non-declared pre-existing medical conditions.

Benefits of Reliance Schengen Travel Insurance

BenefitsCoverage
Amount
BasicStandard
Medical expenses€ 30,000€ 50,000
Dental treatment€ 500€ 500
Loss of passportNIL€ 300
Total Loss of
checked-in baggage
NIL€ 500
Delay of checked-in
baggage
NIL€ 100
Personal Accident€ 10,000€ 15,000
Accidental death
(common carrier)
NIL€ 2500
Personal LiabilityNIL€ 50,000
Compassionate VisitNILReturn Fare for one person from
spouse, child, or family doctor

Medical expenses include transportation, evacuation and repatriation of mortal remains.

In case of a total loss of checked-in baggage, the maximum amount payable per checked in baggage of the applicable sum insured

  • More than 1 bag – 50%
  • One checked in baggage – 100%
  • Per item in baggage – max 10%

Please note that the cover for the compassionate visit is applicable only when the insured is hospitalized for more than 7 consecutive days.

The policy does not cover

  • Claims arising out of non-disclosed and non-declared pre-existing medical conditions.
  • Expenses incurred if travelling against the advice of a physician, receiving or are on a waiting list for specified medical treatment.
  • In case loss of checked-in baggage, no partial loss or damage shall be payable

Best Reliance Travel Insurance Plans

  • Reliance Standard Travel Insurance Policy
  • Reliance Silver Travel Insurance Policy
  • Reliance Gold Travel Insurance Policy
  • Reliance Platinum Travel Insurance Policy

Reliance has specific travel insurance plans for students, senior citizens and frequent travellers.

What I Liked

  • Instant travel policy with no medical checkup.
  • Cashless hospitalization Worldwide
  • The minimum age for insurance – 3 months and maximum age – 90 years

What I Didn’t Liked

  • Does not cover for daily allowances in case of hospitalization
  • Travel baggage loss not covered

Future Generali Travel Insurance

Future Generali offers global travel protection with customized plans and 24 x 7 toll – free worldwide emergency assistance.

The customized travel insurance plans include a specially designed plan for travel to Asian countries (excluding Korea and Japan) and European countries on Schengen Visa.

Future Generali is the only insurer who provides medical advice over the phone and dispatches essential medicine that is not available locally.

The medical tests are waived off if there is no adverse health declaration on the proposal form. Future Generali allows for an automatic extension of the travel insurance for 7 days.

Travel Insurance Coverage

BenefitsCoverage Amount
StandardSilverGold
Medical expenses€ 30,000€ 50,000€ 100,000
Dental treatment€ 200€ 200€ 200
Hijack coverNo cover€ 50 per day. Max 7 days€ 100 per day. Max 7 days
Trip delaysNo cover€ 50€ 20 per 12 hrs. Max 120 hrs
Trip cancellation and interruptionNo CoverNo Cover€ 300
Trip CurtailmentNo CoverNo Cover€ 200
Missed connectionNo CoverNo Cover€ 350
Loss of passport€ 200€ 200€ 250
Delay of checked-in
baggage
No Cover€ 50€ 100
Loss of checked-in
baggage
€ 200€ 350€ 500
Compassionate visitNo CoverNo Cover€ 500
Financial Emergency
Assistance
No CoverNo Cover€ 300
Accidental Death & Permanent Total Disability€ 3500€ 3500€ 10,000
Personal LiabilityNo cover€ 50,000€ 100,000
Automatic Extension for 7 daysNo coverNo coverAvailable

Medical expenses include medical evacuation and repatriation of remains.

In case of the loss of checked-in baggage the per baggage cover is maximum 50% and for per item maximum 10%.

The policy does not cover

  • Pre-existing diseases and complications
  • Pregnancy, resulting childbirth, miscarriage, abortion or complication arising out of any of the foregoing disease
  • Loss or damage to your passport as a result of the confiscation or detention by customs, police or any other authority

Best Future Generali Travel Insurance Plans

  • Future Generali Schengen and worldwide Travel Insurance
  • Future Generali Overseas Travel Insurance Plan
  • Future Generali Student Travel Insurance Plan

What I Liked

  • Automatic extension of the travel insurance for 7 days
  • Medical advice over the phone
  • Dispatches essential medicine that is not available locally.

What I Didn’t Like

  • Lower amount (EUR 50) for compassionate visit.
  • Accidental death (common carrier) and hospital allowance not covered

Best International Travel Insurance (Overseas)

SBI General Travel Insurance

SBI general insurance has medical cover up to $500,000. However, it covers only those medical expenses which are primarily in the nature of an emergency.

Further, SBI does not cover if you are travelling against medical advice or have a pre-medical condition or are travelling to get involved in adventure sports.

The insurer provides a free automatic extension for 7 days for delays due to public transport services. Further, the extension of travel insurance is permissible for a maximum of 180 days with a condition that the overall trip duration is not more than 270 days.

SBI is the only insurer with unique cover paying for a Bail bond and for Golfers hole-in-one.

BenefitsCoverage Amount
Medical expenses
(including medical evacuation
& repatriation)
$50,000 to $500,000
Personal Accident10% of medical expenses.
Max $25,000
Loss of passport$2000 on a floater basis
Golfer’s Hole in one$2000 on a floater basis
Home Burglary$2000 on a floater basis
Loss of checked baggage$2000 on a floater basis
Trip cancellation$2000 on a floater basis
Trip curtailment$2000 on a floater basis
Missed flight connection$2000 on a floater basis
Delay of checked baggage$2000 on a floater basis
Hijack distress allowance$200 per day.
$2000 on a floater basis
Trip delays$200 per 12 hrs.
$2000 on a floater basis
Hospitalization Daily allowanceUp to $50 per day.
$2000 on a floater basis
Bail bond$2000 on a floater basis
Emergency Cash advance$2000 on a floater basis
Personal Liability50% of medical expense amount or
$200,000 whichever is lower

The policy does not cover

  • Any claim where the insured person is travelling against the advice of a Physician or is receiving or waiting to receive treatment
  • No claim is admissible if arising from war, hostilities and situations of military or usurped power.
  • No claim is paid arising from participation in winter sports, mountaineering, riding or driving in races, caving or potholing, hunting, skew diving or for underwater activities, rafting or canoeing, yachting or boating outside coastal waters.
  • SBI travel insurance also does not cover for participation in professional or other hazardous sports unless specifically covered as an extension of the policy.
  • The insurance policy does not cover medical expenses arising out of a pre-existing disease.

Best SBI General Travel Insurance Plans

  • SBI General’s Travel Insurance Policy for business and holiday

What I Liked

  • Automatic extension for 7 days
  • Travel insurance also has cover for a bail bond
  • $200K personal liability cover

What I Didn’t Like

  • Does not have separate insurance for dental treatment and accidental death (common carrier)
  • No compassionate visit and return of minor child coverage

TATA AIG Travel Insurance

TATA AIG travel insurance is the only insurer which pays you for the unauthorized usage of a lost payment card, up to 12 hours of reporting.

The insurer does not cover pre-existing conditions or any complications arising from it. In a life-saving unforeseen emergency condition, TATA AIG would reimburse up to $1500 per policy.

The insurance plan also covers bounced bookings of hotels and airlines.

However, TATA AIG has various sub-limits for medical expenses for persons aged 56 years and above. Like max $10,000 for surgery, max $400 for an ambulance, max $3000 per day for up to 7 days for ICU, etc.

TATA AIG waives off the above sub-limits on paying an additional premium.

BenefitsCoverage Amt 
SilverSilver
Plus
GoldPlatinum
Medical expense$50,000$100,000$250,000$500,000
Accidental Death$10,000$10,000$15,000$25,000
Accidental death
(common carrier)
NA$5000$5000$5000
Dental Relief$300$400$500$1000
Baggage Delay$50$100$200$500
Checked baggage
loss
$500$750$1000$1000
Passport loss$250$250$250$250
Personal Liability$100,000$150,000$200,000$500,000
Flight delaysNA$10 per 12 hrs$10 per 12 hrs$10 per 12hrs
HijackNA$100 per day$100 per day$100 per day
Emergency Cash advance$500$750$1000$1500
Fraudulent charge$500$500$1000$2000
Home burglary₹ 1 Lakh₹ 1 Lakh₹ 2 Lakh₹ 2 Lakh
Trip cancellation$500$500$750$1000
Trip curtailment$500$500$750$1000
Missed flight
connection
$500$500$750$1000
Bounced booking
for Hotel / Airline
$500$500$750$1000

The medical expense includes medical evacuation and repatriation of remains. In the case of hijack, the maximum cover is of $500.

In the case of flight delays, the maximum cover is of $100.

The policy does not cover

  • When the person is travelling against physician advice or is travelling to obtain treatment
  • Any pre-existing conditions
  • No claim is admissible if arising from war, hostilities and situations of military or usurped power.

Best TATA AIG General Travel Insurance Plans

  • TATA AIG Travel Guard Silver Insurance Policy
  • TATA AIG Travel Guard Silver Plus Insurance Policy
  • TATA AIG Travel Guard Gold Insurance Policy
  • TATA AIG Travel Guard Platinum Insurance Policy

Tata AIG has travel insurance plans for students and Senior citizens, for Asia travel and domestic travel.

What I Liked

  • Up to $500K of personal liability cover
  • $2000 covers for fraudulent charges on the payment card
  • Cover for bounced airline and hotel booking

What I Didn’t Like

  • No separate cover for a compassionate visit
  • Various sub-limits for medical expenses for persons aged 56 years and above.

IFFCO Tokio Travel Insurance

The best thing about buying travel insurance from IFFCO Tokio is that you can pay through cards, net banking and even Paytm wallet.

The insurer provides 20 days of hospitalization allowances which are highest in terms of the number of days covered. However, IFFCO Tokio does not cover pre medical conditions.

BenefitsCover
Amt
Gold
500
Gold
250
Gold
100
SilverBronze
Medical
expense
$500,000$250,000$100,000$250,000$50,000
Personal
Accident
$25,000$25,000$25,000$25,000$15,000
Dental
Treatment
$250$250$250$250$250
Repat
of remains
$7000$7000$7000$7000$7000
Hospital
daily
allowance
$30
per day
$30
per day
NIL$30
per day
NIL
Checked
baggage
loss
$1000$1000$1000$1000$500
Baggage
Delay
$150$150$150$150$100
Passport
loss
$200$200$200$200$200
Hijack
allowance
$700NANANANA
Emergency
Cash
advance
$250NILNILNILNIL
Personal
Liability
$100,000$100,000$100,000$100,000NIL

Hospital daily allowance is for 20 days

The policy does not cover

  • Traveling against the advice of a physician or traveling for treatments
  • Pre-existing medical conditions
  • Damages to checked-in baggage
  • Losses related to participation in high-risk sports or training involving un-professional trainers.

Best IFFCO Tokio General Travel Insurance Plans

  • IFFCO Tokio Gold 500 Travel Insurance Policy
  • IFFCO Tokio Gold 250 Travel Insurance Policy
  • IFFCO Tokio Gold 100 Travel Insurance Policy
  • IFFCO Tokio Silver Travel Insurance Policy
  • IFFCO Tokio Bronze Travel Insurance Policy

What I Liked

  • 20 days of hospitalization allowances
  • Payment for buying a policy can be done through Paytm.

What I Didn’t Liked

  • No cover for flight delays, trip cancellation and missed flights
  • Hijack allowance and financial emergency assistance only with Gold 500 plan

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